Dodge Charger insurance image courtesy of QuoteInspector.com
It's safe to assume that car insurance companies don't want you to look at other companies. Drivers who compare other prices will presumably buy a different policy because there is a high probability of finding a lower rate. A study discovered that consumers who compared rates regularly saved approximately $72 a month compared to other drivers who never compared other company's rates.
If finding the best rates on Dodge Charger insurance is your intention, then knowing how to shop and compare auto insurance can save money and time.
Truthfully, the best way to save on Dodge Charger insurance is to do a yearly price comparison from providers who provide car insurance in Santa Ana.
- Get an understanding of how car insurance works and the factors you can control to prevent expensive coverage. Many rating criteria that result in higher prices like multiple speeding tickets and a less-than-favorable credit score can be controlled by improving your driving habits or financial responsibility.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can provide prices from many different companies. View rates
- Compare the new rates to the price on your current policy and determine if there is any savings. If you can save some money, ensure coverage does not lapse between policies.
- Tell your current agent or company to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application for the new coverage. Make sure you store the proof of insurance certificate in an easily accessible location.
One important bit of advice is to compare similar coverage information on each quote request and and to analyze as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and and a good selection of different prices.
Auto insurance providers offering affordable prices in California
The companies shown below offer free rate quotes in Santa Ana, CA. If the list has multiple companies, it's highly recommended you visit several of them to find the cheapest auto insurance rates.
Car insurance analysis for a Dodge Charger
The premium information shown next covers estimates of insurance rates for Dodge Charger models. Learning more about how insurance quotes are established can aid in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $412 | $834 | $624 | $36 | $186 | $2,092 | $174 |
| Charger | $412 | $834 | $624 | $36 | $186 | $2,092 | $174 |
| Charger AWD | $412 | $834 | $624 | $36 | $186 | $2,092 | $174 |
| Charger 3.5 AWD | $412 | $834 | $624 | $36 | $186 | $2,092 | $174 |
| Charger SXT | $412 | $834 | $624 | $36 | $186 | $2,092 | $174 |
| Charger SXT AWD | $412 | $834 | $624 | $36 | $186 | $2,092 | $174 |
| Charger Rallye | $412 | $834 | $624 | $36 | $186 | $2,092 | $174 |
| Charger R/T | $412 | $960 | $624 | $36 | $186 | $2,218 | $185 |
| Charger Rallye AWD | $412 | $960 | $624 | $36 | $186 | $2,218 | $185 |
| Charger R/T AWD | $454 | $960 | $624 | $36 | $186 | $2,260 | $188 |
| Charger SRT-8 | $454 | $960 | $624 | $36 | $186 | $2,260 | $188 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in Santa Ana location which can alter insurance rates greatly.
Comparison of policy deductibles
A question often asked by Santa Ana drivers is which deductibles should you choose. The comparisons below may help you to understand the premium difference between low and high deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger AWD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger 3.5 AWD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger SXT | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger SXT AWD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger Rallye | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Charger R/T | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Charger Rallye AWD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Charger R/T AWD | $474 | $780 | $552 | $32 | $166 | $2,029 | $169 |
| Charger SRT-8 | $474 | $780 | $552 | $32 | $166 | $2,029 | $169 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Charger 3.5 | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Charger | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Charger AWD | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Charger 3.5 AWD | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Charger SXT | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Charger SXT AWD | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Charger Rallye | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Charger R/T | $266 | $490 | $552 | $32 | $166 | $1,506 | $126 |
| Charger Rallye AWD | $266 | $490 | $552 | $32 | $166 | $1,506 | $126 |
| Charger R/T AWD | $292 | $490 | $552 | $32 | $166 | $1,532 | $128 |
| Charger SRT-8 | $292 | $490 | $552 | $32 | $166 | $1,532 | $128 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can influence insurance rates substantially.
Based on the above data, using a $250 deductible will cost you approximately $38 more each month or $456 each year across all Dodge Charger models than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 20 months between claim filings, you would probably be better off going with the higher deductible.
The diagram below illustrates how your deductible choice and can impact Dodge Charger insurance costs for different age categories. The data assumes a single male driver, full coverage, and no discounts are factored in.
Gender-based car insurance rates by age
The illustration below shows the comparison of Dodge Charger insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
The Dodge Charger Insurance Price Equation
Lots of factors are used in the calculation when pricing auto insurance. Some are pretty understandable such as traffic violations, but some are not quite as obvious like where you live or your commute time.
Car and home together may be cheaper - Some insurers allow lower prices to people that purchase more than one policy in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even with this discount applied, you may still want to shop around to help ensure you have the lowest rates.
Raising coverage deductibles lowers costs - Physical damage coverage, also called comprehensive and collision insurance, covers your vehicle from damage. Some examples of claims that would be covered are a broken side mirror, damage from fire, and burglary. Deductibles for physical damage represent how much money the insured will be required to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the better rate you will receive.
Being married can save on insurance - Having a significant other may save some money on your insurance policy. Marriage generally demonstrates drivers are more mature it has been statistically shown that married couples file fewer claims.
Older drivers pay less - Older drivers are more responsible, cost insurance companies less in claims, and are generally more financially stable. Young drivers are statistically shown to be more careless when behind the wheel and because of this, their insurance rates are much higher.
The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Dodge Charger insurance loss probability - Insurers use data from past claims when setting premium prices. Models that the statistics show to have a trend towards higher claims will have higher premium rates. The information below illustrates the loss history for Dodge Charger vehicles.
For each type of coverage, the loss probability for all vehicles, as an average, equals 100. Values that are under 100 are indicative of better than average losses, while percentage values above 100 point to more claims or an increased probability of a larger loss.
| Specific Dodge Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Dodge Charger 2WD | 148 | 142 | 160 | 176 | 178 | 159 |
| Dodge Charger 4WD | 124 | 129 | 115 | 107 | 110 | 138 |
| Dodge Charger HEMI | 156 | 106 | 202 | 118 | 127 | 111 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Earn discounts on Santa Ana auto insurance
Auto insurance is not inexpensive, but you may qualify for discounts that many people don't even know exist. Some discounts apply automatically when you purchase, but some discounts are required to be inquired about prior to receiving the credit.
- Discounts for Good Drivers - Safe drivers may receive a discount up to 45% than less cautious drivers.
- Service Members Pay Less - Being on active deployment in the military could trigger a small discount.
- Seat Belt Discounts - Drivers who require all occupants to use their safety belts can save 10% or more off the medical payments premium.
- Home Ownership Discount - Just being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
- Anti-theft Discount - Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Senior Citizen Rates - Seniors can get reduced rates.
- Multi-car Discount - Insuring all your vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So when it seems like it's possible to get free car insurance, companies don't profit that way.
The chart below visualizes the comparison of Dodge Charger insurance rates with and without discounts applied to the rates. The information is based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, multi-car, homeowner, and multi-policy discounts applied.
If you would like to choose from a list of companies that offer the discounts shown above in Santa Ana, click here.
Car insurance is available from agents near you
Many people just want to sit down and talk to an agent and that can be a smart move Most agents are very good at helping people manage risk and help submit paperwork. An additional benefit of getting free rate quotes online is the fact that you can find the lowest rates and still choose a local agent.
By using this short form, your insurance coverage information is submitted to participating agents in Santa Ana who will give you bids for your business. It simplifies rate comparisons since you won't have to search for an agent due to the fact that quote results will go to your email. If you have a need to get a rate quote from a specific company, just find their quoting web page and submit a quote form there.
Picking an company shouldn't rely on just a cheap price quote. Any agent in Santa Ana should be forthright in answering these questions:
- What company do they have the most business with?
- Does the agency provide any after hours assistance?
- Who is covered by the car insurance policy?
- Does the agent have a valid license to sell insurance in California?
- Are there any extra charges for paying monthly?
- How is replacement cost determined on your vehicle?
- How long has their agency been open in Santa Ana?
If you are searching for a reputable agency, it can be helpful to understand the different types of agents and how they work. Santa Ana agents can be categorized as either exclusive or independent. Both types can sell car insurance policies, but it's worth mentioning the difference between them since it can affect which agent you choose.
Exclusive Car Insurance Agencies
Agents of this type write business for a single company such as State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide other company's prices so they are skilled at selling on more than just price. Exclusive agents are trained well on what they offer which helps them compete with independent agents. Consumers sometimes choose to use a exclusive agent mostly because of high brand loyalty rather than low rates.
Listed below is a list of exclusive insurance agencies in Santa Ana that can give you price quotes.
- Allstate Insurance: Octavio R E Pina
1926 S Main St - Santa Ana, CA 92707 - (714) 444-3022 - View Map - Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638 - View Map - Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100 - View Map
Independent Car Insurance Agents
Independent agents are not employed by one company and that allows them to write policies with a variety of different insurance companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies which makes it simple for you.
When comparison shopping, you will want to get several quotes from a couple of independent agencies for the best price selection. Many independent agencies also insure through lesser-known insurance companies that may have much lower rates than larger companies.
Below is a short list of independent agencies in Santa Ana who can help you get comparison quotes.
- Auto Express Insurance Agency
202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map - Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034 - View Map - Quality Plus Insurance Agency
1450 N Tustin Ave # 221 - Santa Ana, CA 92705 - (714) 245-1200 - View Map
Shop smart and save
In this article, we covered some good ideas how you can lower your Dodge Charger insurance rates in Santa Ana. The key thing to remember is the more providers you compare, the better likelihood of getting affordable Dodge Charger insurance quotes. Consumers may even find the lowest priced auto insurance comes from the smaller companies.
Low-cost Dodge Charger insurance in Santa Ana can be sourced both online in addition to many Santa Ana insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not offer online quoting and many times these small insurance companies only sell through independent agents.
When trying to cut insurance costs, make sure you don't buy poor coverage just to save money. In many instances, an insured cut physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the best price.
To learn more, link through to the resources below:
- Driving in Bad Weather (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Felons in Santa Ana? (FAQ)
- How Much is Auto Insurance for Teenage Males in Santa Ana? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Keeping Children Safe in Crashes Video (iihs.org)